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    • Hi BankFodder   Many thanks for your assistance in this matter.   I have decided to commence County Court action against DPD/Parcel2go regarding the lost parcel.   I would just like you to clarify whether which company you recommend me to commence legal proceedings against:   Parcel2go. My contract was made via this company.   Or DPD - This company undertook the contract and are the ones who lost the parcel.   I look forward to hearing from you soon.   Kind Regards Humza
    • I lost my job this jan because work decided not to extend my probabation, so i've been out of work since then. During this time I have made 3 payments of £270 from my own savings and now I am really struggling.   I rang motonova last month before COVID19 started and explained I lost my job and wanted a reduction in the payment but they asked me what my out goings were and told me 'it looks you can make this months payment so we can't do anything etc'   Since COVID19 has started motonova now have this form available to ask for reduction of payments - see https://customer.motonovofinance.com/file/cms/raw/888dda418afb548c00a1afc1cde50704.pdf   Given my weak financial situation can anyone help me with what I put down for these sections of the form so my request to lower or freeze payments stands a good chance of being accepted   1. Is your situation realated to the Coronavirus outbreak? Yes   2. Do you consider yourself to be in a high risk group, if so why?Do you explicitly consent to us recording this information in your account notes? I am no longer employed and have no income coming in. Work have made cuts due to Corona and no longer employed by them I am sorry I wont be able to make payments of £270   3. How much can you pay? I can pay £25 a month   4. What are you proposing, and what help would you like from us? I've lost my job and have no income. I've had to self isolate under the goverment guidelines with my family because my daughter had a cough at school. I've been applying for numerous jobs and have no luck and the COVID19 situation in the country has made the whole situation even worse for me. I request given the financial difficulty I am in that  you please accept my offer   What do you think of my reasons and how can you add or improve them? I really stressed out because my next payment is coming up in 3 weeks and I'm down to my last £400 of my savings and I've no idea how long it will take me to find a job  
    • Hi All   As im new to this site and here for as much advise as possible to help me and a few fellow work colleges regarding a situation with our employer given the current circumstances with the COVID-19 (coronavirus).   Basically since i started working for said company i have never been given my contract or employer handbook to view as when i need to, its always stored inside our boss's office and past staff have been refused to view it when they have wanted to, what i want to know is, is it a legal requirement for a employer to give there employees a copy of there contract/ handbook or is there a clause that can allow him not to?   Also i have currently been in self isolation due to cornavirus and have spoken to our company via email with no reply from them but have heard from colleagues that the work has slowed down, and in the recent email i have sent i spoke about potentially being put on 'furlough pay' if work stops completely. Can he refuse to put certain staff on it and still keep the business open even though there is no work? As well as not providing sufficient hygiene sources given the current climate, would that put him in breach of contract (if could view mine to start off with) ?   At the minute we are stuck in limbo given we are still off in self isolation for another week and he doesn't really care about his staff, what would be the best course to take regarding the matters above??   HELP!    
    • I have been trying to get onto the MCOL site for several days now, it keeps saying that the password is wrong and i haven't been able to get to talk to someone on the phone, i have prepared a defense and its ready to email, just realised today is day 33.   Here it is for your considderation, thank you.   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1.Paragraph 1 is noted; I have in the past had financial dealings with MBNA. I am unaware of the alleged agreement the Claimant refers to having failed to adequately particularise its claim and have therefore sought clarity from the Claimant by way of a Section 78 request and a CPR 31.14 request.   2. Paragraph 2 is denied. I am unaware of any service of a Default Notice (s) pursuant to section 87 of the Consumer Credit Act 1974 by the original creditor MBNA. I have sought verification from the claimant regarding this matter and they have been unable to comply.   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and (c) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request, copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. I confirm that the above facts and statements are true to the best of my knowledge and recollection.
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judelaw

Mattress missold

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I am a disabled lady also cancer patient with heart failure and diabetes,
forced to try and sleep in a chair for last 3 weeks and forseeable future.

Bensons for beds salesman lied to me and sold me a mattress he was having extra padding put in, it would have been too firm for me. since found out that is something they never do. Mattress was faulty also, inspection deemed it manufacturers fault. I asked for a topper in order to be able to use mattress until a replacement is sent, no.

I have been lied to by customer service and sales team and they are only agreeing to replace with a similar mattress, but no extra padding.

This is not what I bought and think I would be better getting my money back. Bought 6th February 2019 received a couple of weeks later.

There is a whole site aimed at people getting horrendous treatment from Bensons so I have been advised by them I will have to fight hard. Is it reasonable to expect a refund now I know the mattress replacement will probably be no better.? 

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Firstly, please could you make it easier for people to help you by displacing and punctuating your story correctly. Reading a solid block of text online is very difficult and tends to put people off. I have put in some spacing but I'm afraid that the punctuation is poor and it's still difficult to make out your story.

I gather that about a year ago, you bought mattress and it was faulty. Somebody carried out an inspection and confirmed that.

For some reason rather you have put up with it since then but now apparently you are so uncomfortable you are being obliged to sleep in a chair. Is this correct?

Maybe you could give us some more information as to what is the fault, who carried out the inspection, when this inspection carried out, what is the value of the mattress.

You also seem to be saying that even if the mattress was replaced with one which was not faulty, it would still not be suitable to your needs. Is this correct?

I'm afraid that your account is very scant so it would be helpful if you would give us a more detailed story – but bullet pointed would help. Try to avoid the narrative

 


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As a disabled person with cancer, heart failure and numerous other ailments, including oxygen damage, looking for advice on a missold mattress, I certainly wont be recommending this group! 

The last thing I needed was to be messaged to tell me that I am practically illiterate. If your choice is to pick people up on their punctuation and actually read what was written! All questions you asked were in my original post and it makes no sense to say my account was scant and ask for more detail without the narrative! 

I assume you are a regular at trying to belittle people, sadly I am sure you manage that quite well. 

I will be taking myself out of your group, I assume its yours by your obviously god given right to belittle rather than offer any actual help or advice. 

Thankyou for the totally unnecessary english lesson, I have got to 60 yrs old with the skills I have, despite also being dyslexic! 

I wish you good luck with your teacher training! 

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I'm sorry that you feel so upset about it.

If you answer our questions then we may be able to give you the help you need.


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They are ALL in original post. 

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I'm sorry but I'm not sure that all the answers are there:

 

On 16/02/2020 at 10:57, BankFodder said:

Firstly, please could you make it easier for people to help you by displacing and punctuating your story correctly. Reading a solid block of text online is very difficult and tends to put people off. I have put in some spacing but I'm afraid that the punctuation is poor and it's still difficult to make out your story.

I gather that about a year ago, you bought mattress and it was faulty. Somebody carried out an inspection and confirmed that.

For some reason rather you have put up with it since then but now apparently you are so uncomfortable you are being obliged to sleep in a chair. Is this correct?

Maybe you could give us some more information as to what is the fault, who carried out the inspection, when this inspection carried out, what is the value of the mattress.

You also seem to be saying that even if the mattress was replaced with one which was not faulty, it would still not be suitable to your needs. Is this correct?

I'm afraid that your account is very scant so it would be helpful if you would give us a more detailed story – but bullet pointed would help. Try to avoid the narrative

 

 


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